I have a Bank of America checking account and applied for the credit card too. This card is great because there isn't a fee and the rewards are awesome. I get a bonus because of my checking account and my rewards are 10% more than my friends! The more money you have in your other Bank of America accounts the higher the bonus rate. There isn't a fee to use it overseas and my base reward rate is 1.5% which is cool because I like to go out to eat a lot with my friends. I think that if you are a college student and have an account with Bank of America this is the best card to get.